Limited Use Vehicle – SR22 Insurance For Non Owners
Reader question:
I have a car that I don’t use very often because most of the time it doesn’t work. Do I still have to get SR22 insurance for non owner drivers?
Madison
Great question, Madison.
If you had your license reinstated after the period of suspension for your drunk driving conviction was up, then you have to have SR22 insurance for non owner drivers, period. That is the requirement placed on you for having a license, and if you are not insured with a proper SR22 insurance for non owner drivers policy, thren you risk fines and loss of your license again. In order to be safe, you need to be insured.
In most states it wouldn’t matter if your car works or not, even if you didn’t have to file an SR22 insurance for non owner drivers form, called the operator SR22 form. You have to have your car insured even if you don’t own it, so long as you use it. The difference between then and now is that in many states the law can’t tell that you don’t have a car insurance policy until they catch you driving without proof of it, whereas if you are required to have an SR22 insurance for non owner driver policy, then there is a constant communication to the department of motor vehicles over your status as insured or uninsured.
The only way to get out of this would be either to get a waiver for your car or simply sell it. However, even if you don’t have to insure your own car specifically, so long as you are under SR22 law, you will have to get a policy for SR22 insurance for non owner drivers. This type of policy is often a little more expensive than a regular SR22 policy, and it also only offers you basic minimum coverage without the option of adding things such as comprehensive or collision.
Cheers,
Fashun Guadarrama.